Public Liability Insurance for Start Ups. Policy Wording

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1 Publi Libility Insurne for Strt Ups Poliy Wording

2 Contents Insuring Cluse 2 Poliy Definitions 2 Poliy Conditions 3 Poliy Exlusions 6 The Cover Provided Setion 1 Publi Libility 9 Additionl Benefits 15 How to Mke Clim 16 Thnk you for hoosing Brlys Business Insurne, brought to you by Allinz Insurne pl. Brlys Business Insurne is rrnged, dministered nd underwritten by Allinz Insurne pl. Brlys works with Allinz one of the lrgest generl insurers in the UK to ensure you reeive the highest levels of produt nd servie exellene. Their tehnil experts understnd in detil how to protet you ginst the risks tht businesses fe. You re in sfe hnds if you need to mke lim. Allinz's professionlly trined stff re redy to del with ny issues promptly nd firly. If you need further informtion or if you hve ny questions bout your poliy, ll us on How to Contt Allinz 17 How Allinz Hndles Complints 17 Dt Protetion 18 Importnt This doument provides detils of your poliy nd the terms nd onditions tht pply. Plese red it refully nd keep it in sfe ple.

3 Introdution Your Publi Libility Insurne for Strt Ups Poliy is mde up of severl prts whih must be red together s they form your ontrt of insurne with the Insurer. Plese tke time to red ll prts of the Poliy to mke sure they meet nd ontinue to meet your needs nd tht you understnd the terms, exlusions nd onditions. If you wish to hnge nything or if there is nything you do not understnd, plese let Allinz know djustments re esily mde nd Allinz will be plesed to help. The prts of the Poliy re: the Sttement of Ft this Introdution; the Insuring Cluse; the Poliy Definitions; the Poliy Exlusions nd the Poliy Conditions, ll of whih pply to ll Setions of the Poliy the Setions of over provided, inluding the Setion Definitions, Extensions, Conditions nd Exlusions the Shedule, whih onfirms the Setions of over tht re insured nd whih inludes ny dditionl luses pplied to the Poliy Any word or expression in the Poliy whih hs speifi mening under the Poliy or Setion Definitions hs the sme mening wherever it ppers in the Poliy. Chnges to your irumstnes Plese tell us s soon s resonbly possible if there re ny hnges to your irumstnes whih ould ffet your insurne. Plese refer to Poliy Condition 14 on pge 5 of this Poliy. If your irumstnes hnge nd you do not tell us, you my find tht you re not overed if you need to lim. Finnil Servies Compenstion Sheme The insurne underwriter Allinz ontributes to the Finnil Servies Compenstion Sheme (FSCS). You my be entitled to ompenstion from the FSCS if we re unble to meet our libilities. Further informtion bout ompenstion sheme rrngements is vilble t by emiling or by phoning the FSCS on or Wht to do if you re not stisfied Allinz lwys ims to provide first-lss servie. However, if you re disstisfied in ny wy nd you wish to mke omplint, plese follow the proedure on pge 17 of this Poliy. Publi Libility Insurne for Strt Ups 1

4 Insuring Cluse The Sttement of Ft nd ny informtion supplied by or on behlf of the Insured forms the bsis of this ontrt between the Insured nd the Insurer. In onsidertion of pyment of the premium the Insurer will indemnify or otherwise ompenste the Insured ginst loss, destrution, dmge, injury, libility or dispute (s desribed in nd subjet to the terms, onditions, limits nd exlusions of this Poliy or ny Setion of it) ourring or rising in onnetion with the Business during the Period of Insurne or ny subsequent period for whih the Insurer grees to ept renewl premium. For Allinz Insurne pl Jonthn Dye Chief Exeutive Poliy Definitions The following definitions pply to this Poliy (unless mended by Setion Definitions) nd re denoted by pitl first letter throughout this Poliy. Business Business desription stted in the Shedule Dmge/Dmged Loss or destrution of or dmge Exess First prt of eh nd every lim, for whih the Insured is responsible, speified in the Shedule Insured Insured nmed nd shown in the Shedule Insurer Allinz Insurne pl Period of Insurne Period from the effetive dte to the end dte s shown in the Shedule Poliy Doument s desribed in the Introdution Premises Address s stted in the Shedule Shedule Prt of this Poliy tht detils informtion forming the bsis of this ontrt nd tht shows the Setions of this Poliy opertive Setion/Setions Prts of this Poliy tht detil the insurne over provided by this Poliy 2 Publi Libility Insurne for Strt Ups

5 Poliy Conditions Applible to the Poliy unless stted to the ontrry under the onditions in the Setions 1 Conditions Preedent to Libility Every ondition stted s ondition preedent tht pplies to this Poliy (whether Poliy, Setion or speil ondition) shll pply from the time the ondition tthes nd ontinue to be in fore during the whole urreny of this Poliy. Filure to omply with ny suh ondition preedent shll be br to ny lim. 2 Poliy Voidble This Poliy shll be voidble in the event of misrepresenttion, misdesription or non-dislosure of ny mteril prtiulr. 3 Resonble Preutions The Insured shll tke ll resonble re to prevent idents nd ny injury or Dmge b to observe nd omply with sttutory or lol uthority lws, obligtions nd requirements in the seletion nd supervision of employees d to mintin the Buildings, Contents nd everything used in the Business in effiient nd sfe working order e to mke good or remedy ny defet or dnger whih beomes pprent nd tke suh dditionl preutions s the irumstnes my require. 4 Clims Ation by the Insured The Insured shll in the event of ny injury, Dmge or onsequentil loss s result of whih lim is or my be mde under this Poliy or ny Setion of it, nd gin upon reeipt by the Insured in writing of ny notie of ny lim or legl proeeding, notify the Insurer within thirty (30) dys, or within seven (7) dys in the se of Dmge or onsequentil loss by riot, ivil ommotion, strikers, loked-out workers, persons tking prt in lbour disturbnes, mliious persons or theft, or suh further time s the Insurer my llow b notify the Insurer immeditely upon being dvised of ny proseution, inquest or enquiry onneted with ny injury, Dmge or onsequentil loss whih my form the subjet of lim under this Poliy notify the polie s soon s it beomes evident tht ny Dmge hs been used by theft or mliious persons d pss immeditely, nd unknowledged, ny letter of lim to the Insurer e f rry out nd permit to be tken ny tion whih my be resonbly prtible to prevent further Dmge or onsequentil loss retin unltered nd unrepired nything in ny wy onneted with the injury, Dmge or onsequentil loss for s long s the Insurer my resonbly require g furnish with ll resonble despth t the Insured s expense i suh further prtiulrs nd informtion s the Insurer my resonbly require ii if required, sttutory delrtion of the truth of the lim iii detils of ny other insurnes overing the subjet mtter of the lim under this Poliy nd ny mtters onneted with it h mke vilble t the Insured s expense ny douments required by the Insurer with regrd to ny letter of lim i j not py or offer or gree to py ny money or mke ny dmission of libility without the previous onsent of the Insurer llow the Insurer in the nme of nd on behlf of the Insured to tke over nd, during suh periods s the Insurer thinks proper, to hve the bsolute ondut nd ontrol of ll negotitions nd proeedings whih my rise in respet of ny lim nd the settlement thereof nd o-operte fully with the Insurer for tht purpose. No lim under this Poliy shll be pyble unless the terms of this Poliy Condition hve been omplied with nd ny pyment on ount of lim lredy mde shll be repid to the Insurer. 5 Clims The Rights of the Insurer In respet of Dmge for whih lim is mde, the Insurer nd ny person uthorised by the Insurer my without inurring ny libility or diminishing ny of the Insurer s rights in respet of the over under this Poliy, enter premises where suh Dmge hs ourred, nd tke possession of or require to be delivered to the Publi Libility Insurne for Strt Ups 3

6 Insurer ny Property Insured, nd to del with suh Property for ll resonble purposes nd in ny resonble mnner. No Property my be bndoned to the Insurer, whether tken possession of by the Insurer or not. The Insurer will not py for ny lim unless the terms of this Poliy Condition hve been omplied with. 6 Cnelltion Insured's Cnelltion Rights The Insured hs the right to nel the over t ny time during the three (3) months free over. The Insured should exerise this right by ontting us. The Insurer's Cnelltion Rights The Insurer my nel this Poliy by giving the Insured fourteen (14) dys notie in writing sent to their lst known ddress. 7 Frud If the Insured or nyone ting on behlf of the Insured mkes ny flse or frudulent lim or supports lim by flse or frudulent doument, devie or sttement, this Poliy shll be void nd the Insured will forfeit ll rights under the Poliy. In suh irumstnes, the Insurer retins the right to keep the premium nd to reover ny sums pid by wy of benefit under the Poliy. 8 Subrogtion Any limnt under this Poliy shll, t the Insurer s request nd expense, tke or permit to be tken ll neessry steps for enforing rights ginst ny other prty in the nme of the Insured, before or fter the Insurer mkes ny pyment. The Insurer grees to wive ny suh rights to whih the Insurer might beome entitled by subrogtion ginst ny ompny stnding in reltion of prent to subsidiry (or subsidiry to prent) to the Insured or ginst ny ompny whih is subsidiry of prent ompny of whih the Insured re themselves subsidiry, in eh se within the mening of the Compnies At or Compnies (Northern Irelnd) Order urrent t the time of the Dmge. 9 Arbitrtion If ny differene rises s to the mount to be pid under this Poliy (libility being otherwise dmitted by the Insurer), suh differene shll be referred to n rbitrtor to be ppointed by the Insured nd the Insurer in ordne with sttutory provisions. Where ny differene is referred to rbitrtion in ordne with this ondition, the mking of n wrd shll be ondition preedent to ny right of tion ginst the Insurer. 10 Lw Applible to Contrt Unless greed otherwise: the lnguge of the Poliy nd ll ommunitions relting to it will be English; nd, b ll spets of the Poliy inluding negotition nd performne re subjet to English lw nd the deisions of English ourts. 11 Rights of Prties A person or ompny who ws not prty to this Poliy hs no right under the Contrts (Rights of Third Prties) At 1999 or ny subsequent legisltion to enfore ny term of this Poliy but this does not ffet ny right or remedy of third prty whih exists or is vilble prt from suh At. 12 Dishrge of Libility The Insurer my py to the Insured in the event of ny one lim or series of lims rising out of one ourrene the speified Limit of Indemnity in respet thereof (fter deduting therefrom ny sums lredy pid) or ny lesser mount for whih the lim(s) n be settled nd therefter be under no further libility in respet of suh lim or series of lims rising out of one ourrene exept for the mount of ny osts nd expenses inurred prior to the dte of the pyment. 4 Publi Libility Insurne for Strt Ups

7 13 Fire Preutions In respet of fire extinguishing pplines within the Premises the Insured must inspet the pplines in ordne with the mnufturer/instllers instrutions for the purpose of sertining tht they re in ll respets mintined in proper working order b mintin during the urreny of this Poliy mintenne ontrt providing for n nnul inspetion with n instller or supplier of pproved equipment ensure tht ll fire brek doors nd shutters re kept losed exept during working hours nd re mintined in effiient working order nd to remedy promptly ny defet whether dislosed by suh inspetion(s) or otherwise. 14 Chnge of Risk This insurne shll ese to be in fore if there is ny ltertion in the Business or t the Premises whih inreses the risk of injury or Dmge, unless suh ltertion is greed in writing by the Insurer. 15 Other Insurnes The Insurer will not indemnify the Insured in respet of libility whih is insured by or would but for the existene of this Poliy be insured by ny other poliy or setion. Publi Libility Insurne for Strt Ups 5

8 Poliy Exlusions Applible unless stted to the ontrry under Exlusions in the Setions This Poliy does not over 1 Territoril Limits Dmge, injury or libility rising out of ny ourrene outside Gret Britin, Northern Irelnd, the Chnnel Islnds or the Isle of Mn, exept where stted to the ontrry. 2 Wr Loss, destrution, dmge, deth, injury, disblement or libility or ny onsequentil loss osioned by wr, invsion, t of foreign enemy, hostilities (whether wr be delred or not), ivil wr, rebellion, revolution, insurretion or militry or usurped power. 3 Rdiotive Contmintion Loss or destrution of or dmge to ny property whtsoever or ny loss or expense whtsoever resulting or rising therefrom or ny onsequentil loss or ny legl libility of whtsoever nture diretly or indiretly used by or ontributed to by or rising from ionising rditions from or ontmintion by rdiotivity from ny nuler fuel or from ny nuler wste or from the ombustion of nuler fuel b the rdiotive, toxi, explosive or other hzrdous or ontminting properties of ny nuler instlltion, retor or other nuler ssembly or nuler omponent thereof 4 Soni Bngs Dmge diretly osioned by pressure wves used by irrft nd other eril devies trvelling t soni or supersoni speeds. 5 Northern Irelnd Loss, destrution or dmge nd ny onsequentil loss in Northern Irelnd osioned by or hppening through or in onsequene diretly or indiretly of riot, ivil ommotion nd (exept in respet of loss, destrution or dmge or ny onsequentil loss by fire or explosion) strikers, loked-out workers, persons tking prt in lbour disturbnes or mliious persons. 6 Pollution or Contmintion Loss, destrution or dmge used by or resulting from pollution or ontmintion exept suh loss or destrution of or dmge to the Property Insured or, if pplible, loss resulting from loss or destrution of or dmge to property used by the Insured t the Premises for the purpose of the Business used by pollution or ontmintion whih itself results from fire, lightning, explosion, irrft or other eril devies or rtiles dropped therefrom, riot, ivil ommotion, strikers, loked-out workers, persons tking prt in lbour disturbnes, mliious persons other thn thieves, erthquke, storm, flood, bursting, overflowing, dishrging or leking of wter tnks, wter pprtus or wter pipes, sprinkler lekge or impt by ny rod vehile or niml, lwys provided tht suh peril is insured by this Poliy b ny of the perils listed in 6 bove whih itself results from pollution or ontmintion. 7 Chnges In Wter Tble Level Dmge ttributble solely to hnges in the wter tble level. 8 E-Risks loss or destrution of or dmge to ny Computer Equipment (s defined below) onsisting of or used diretly or indiretly by: i progrmming or opertor error whether by the Insured or ny other person ii Virus or Similr Mehnism (s defined below) iii Hking (s defined below) iv mliious persons v filure of externl networks unless, in respet of i, ii nd iii bove, suh loss or destrution or dmge results from onurrent or subsequent use not exluded by this or ny other poliy exlusion b ny finnil loss or expense of whtsoever nture, inluding but not limited to business interruption, resulting diretly or indiretly from the type of loss or destrution or dmge desribed in prgrph of this Exlusion unless, in respet of i, ii or iii bove, the finnil loss or expense results from onurrent or subsequent use not exluded by this or ny other poliy exlusion loss or destrution of or dmge to ny property other thn Computer Equipment where it rises diretly or indiretly out of loss or destrution of or dmge to ny Computer Equipment of the type desribed in prgrph of this Exlusion unless, in respet of loss or dmge to other property rising from i, ii or iii bove, resulting from onurrent or subsequent use not exluded by this or ny other poliy exlusion 6 Publi Libility Insurne for Strt Ups

9 d loss or destrution of or dmge either to Computer Equipment or ny other property where it onsists of or rises diretly or indiretly out of: e i ii the ersure, loss, distortion, orruption or unuthorised ess to or modifition of informtion on omputer systems or other reords, progrms or softwre by rioters, strikers, loked-out workers, persons tking prt in lbour disturbnes or ivil ommotions, or mliious persons the ersure, loss, distortion, orruption or unuthorised ess to or modifition of informtion on omputer systems or other reords, progrms or softwre due to ny use not inluded in d i bove iii ny misinterprettion, use or misuse of informtion on omputer systems or other reords, progrms or softwre unless, in respet of d ii nd iii bove, suh loss, destrution or dmge results from onurrent or subsequent use not exluded by this or ny other poliy exlusion ny finnil loss or expense of whtsoever nture, inluding but not limited to business interruption, where it rises diretly or indiretly from the type of loss or destrution or dmge desribed in prgrphs nd d of this Exlusion unless, in respet of, d ii nd iii bove, the finnil loss or expense results from onurrent or subsequent use not exluded by this or ny other poliy exlusion. For the purpose of this Exlusion: Computer Equipment mens omputer equipment, omponent, system or item whih proesses, stores, trnsmits or retrieves dt, or ny prt thereof, whether the property of the Insured or not, whether tngible or intngible nd inluding without limittion ny informtion, progrms or softwre. Virus or Similr Mehnism mens ny progrm ode, progrmming instrution or other set of instrutions intentionlly onstruted with the bility to dmge, interfere with or otherwise dversely ffet omputer progrms, dt files or opertions (whether involving self replition or not), inluding but not limited to Trojn Horses, Worms or Logi Bombs. Hking mens unuthorised ess to ny omputer or omputer equipment, omponent, system or item, whether the property of the Insured or not, whih proesses, stores, trnsmits or retrieves dt. 9 Computer Dte Exlusion Dmge or libility diretly or indiretly used by or onsisting of or rising from the filure of ny omputer or other equipment or system for proessing, storing or retrieving dt, whether the property of the Insured or not, to hieve ny or ll of the purposes nd onsequentil effets intended by the use of ny number to denote dte inluding the filure orretly to reognise ny dte s its true lendr dte b to reognise, pture, sve, retin, restore nd/or orretly to mnipulte, interpret, lulte or proess ny dt or informtion or ommnd or instrution s result of treting ny dte otherwise thn s its true lendr dte to reognise, pture, sve, retin, restore nd/or orretly to mnipulte, interpret, lulte or proess ny dt or informtion s result of the opertion of ny ommnd whih hs been progrmmed into ny omputer softwre or firmwre, being ommnd whih uses the loss of dt or the inbility to reognise, pture, sve, retin, restore or orretly to mnipulte, interpret, lulte or proess ny dt on or fter ny dte 10 Exess Any Exess. 11 Terrorism in respet of Englnd, Wles nd Sotlnd but not the territoril ses djent thereto s defined in the Territoril Se At 1987: loss or destrution or dmge or onsequentil loss of whtsoever nture, diretly or indiretly used by, resulting from or in onnetion with i ny At of Terrorism, regrdless of ny other use or event ontributing onurrently or in ny other sequene to suh At of Terrorism ii ny tion tken in ontrolling, preventing or suppressing ny At of Terrorism, or in ny other wy relted to suh At of Terrorism Publi Libility Insurne for Strt Ups 7

10 In respet of bove n At of Terrorism (Terrorism) mens:- Ats of persons ting on behlf of, or in onnetion with, ny orgnistion whih rries out tivities direted towrds the overthrowing or influening, by fore or violene, of Her Mjesty s government in the United Kingdom or ny other government de jure or de fto. b in respet of territories other thn those stted in bove: loss or destrution or dmge or ny onsequentil loss of whtsoever nture, diretly or indiretly used by, resulting from or in onnetion with i ii ny t of Terrorism, regrdless of ny other use or event ontributing onurrently or in ny other sequene to suh t of Terrorism ny tion tken in ontrolling, preventing or suppressing ny t of Terrorism, or in ny wy relted to suh t of Terrorism In respet of b bove n t of Terrorism (Terrorism) mens:- An t, inluding but not limited to the use of fore or violene nd/or the thret thereof, of ny person or group(s) of persons whether ting lone or on behlf of or in onnetion with ny orgnistion(s) or government(s), ommitted for politil, religious, ideologil or similr purposes inluding the intention to influene ny government nd/or put the publi or ny setion of the publi in fer. In ny tion suit or other proeedings where the Insurer lleges tht by reson of this exlusion ny loss or destrution or dmge or ny onsequentil loss is not overed (or is overed only up to speified limit of libility), the burden of proving to the ontrry shll be upon the Insured. In the event ny prt of this exlusion is found to be invlid or unenforeble, the reminder shll remin in fore nd effet. 8 Publi Libility Insurne for Strt Ups

11 Setion 1 Publi Libility Definitions At of Terrorism Any t inluding but not limited to the use of fore or violene nd/or thret thereof of ny person or group(s) of persons whether ting lone or on behlf of or in onnetion with ny orgnistion(s) or government(s) ommitted for politil religious ideologil or similr purposes inluding the intention to influene ny government nd/or put the publi or ny setion of the publi in fer. Asbestos Asbestos or fibres or prtiles of sbestos or ny mteril ontining sbestos Business The business speified in the Shedule onduted solely from Gret Britin, Northern Irelnd, the Isle of Mn or the Chnnel Islnds nd inluding 1 the ownership, mintenne nd repir of Premises used in onnetion therewith 2 the provision nd mngement of nteen, soil, sports or welfre orgnistions for the benefit of Employees nd the mbulne, first id, fire, medil nd seurity servies of the Insured 3 the exeution of privte duties by Employees for ny prtner diretor or senior offiil of the Insured. Employee 1 ny person under ontrt of servie or pprentieship with the Insured 2 ny of the following persons whilst working for the Insured in onnetion with the Business ny lbour mster or lbour only subontrtor or person supplied by him b ny self-employed person providing lbour only ny trinee or person undergoing work experiene d ny voluntry helper e ny person who is borrowed by or hired to the Insured. Fmily The Insured s spouse/prtner, hildren, prents nd other immedite reltives living with the Insured permnently Injury 1 bodily injury, deth, disese, illness, mentl injury or nervous shok 2 invsion of the right of privy, flse rrest, flse imprisonment, flse evition or mliious proseution of ny person. Limit of Indemnity The limit of indemnity speified in the Shedule Offshore Instlltions 1 ny instlltion in the se or tidl wters whih is intended for underwter exploittion of minerl resoures or explortion with view to suh exploittion 2 ny instlltion in the se or tidl wters whih is intended for the storge or reovery of gs 3 ny pipe or system of pipes in the se or tidl wters 4 ny instlltion whih is intended to provide ommodtion for persons who work on or from the lotions speified in 1, 2 or 3 of this definition. Pollution or Contmintion 1 ll pollution or ontmintion of buildings or other strutures or of wter or lnd or the tmosphere nd 2 ll Injury, loss or dmge diretly or indiretly used by suh pollution or ontmintion. All pollution or ontmintion whih rises out of or in onnetion with one inident shll be deemed to hve ourred t the time suh inident tkes ple. Produts Any goods or other mteril property (inluding their ontiners, pkging, lbelling nd instrutions for use) sold, supplied, delivered, instlled, ereted, repired, ltered, treted or tested by the Insured in onnetion with the Business nd not in the hrge or ontrol of the Insured. Territoril Limits 1 Gret Britin, Northern Irelnd, the Isle of Mn nd the Chnnel Islnds 2 ny other member ountry of the Europen Union Publi Libility Insurne for Strt Ups 9

12 Cover Publi Libility The Insurer will indemnify the Insured ginst legl libility to py ompenstion nd limnts osts nd expenses in respet of identl 1 Injury to ny person 2 Loss of or dmge to mteril property 3 nuisne, trespss, obstrution or interferene with ny right of wy, light, ir or wter ourring within the Territoril Limits during the Period of Insurne in onnetion with the Business nd not used by or rising from Produts other thn ny Produts onneted with i ii the provision nd mngement of nteen, soil, sports or welfre orgnistions for the benefit of Employees nd the mbulne, first id, fire, medil nd seurity servies of the Insured the exeution of privte duties by Employees for ny prtner, diretor or senior offiil of the Insured b ny food or drink supplied to prtners, diretors, Employees or non-pying guests of the Insured the disposl of furniture nd offie equipment originlly intended solely for use by the Insured in onnetion with the Business nd whih is no longer required for tht purpose d the identl obstrution of pedestrin or vehiulr trffi used by lods delivered by ny vehile of the Insured e the provision of gifts nd promotionl mteril. Costs nd Expenses In ddition the Insurer will py osts nd expenses inurred by the Insurer or with the written onsent of the Insurer 1 in onnetion with the defene of ny lim 2 for representtion of the Insured t ny oroner s inquest or ftl ident inquiry in respet of deth b t proeedings in ny ourt of summry jurisdition or on inditment in ny higher ourt in respet of ny lleged breh of sttutory duty resulting in Injury, loss or dmge whih my be the subjet of indemnity under this Setion. Limit of Indemnity A The Insurer s libility for ll ompenstion pyble in respet of 1 ny one ourrene or ll ourrenes of series onsequent on or ttributble to one soure or originl use 2 ll Pollution or Contmintion whih is deemed to hve ourred during ny one Period of Insurne shll not exeed the Limit of Indemnity. B In respet of ll lims ginst the lnsured mde within the legl jurisdition of the United Sttes of Ameri or Cnd or ny dependeny or trust territory the Limit of Indemnity shll be inlusive of the mount of ll i ii limnts' osts nd expenses osts nd expenses inurred by the lnsurer or with the written onsent of the lnsurer in onnetion with the defene of suh lims. Provided tht in respet of n At of Terrorism the Limit of Indemnity shll not exeed 500,000. If the Insurer lleges tht by reson of this limittion ny loss dmge ost or expense is not overed the burden of proving the ontrry shll be upon the Insured. b in respet of Injury, loss or dmge ourring during ny one Period of Insurne diretly or indiretly used by rising from in onsequene of or in ny wy involving Asbestos the Limit of Indemnity under this Setion shll not exeed the Limit of Indemnity or 500,000 whihever is the lesser inlusive of ll osts nd expenses. For the purposes of this limittion ll suh dmge whih rises from one inident shll be deemed to hve ourred t the time suh inident tkes ple. in respet of the indemnity provided under this Setion for Extension 11 Corporte Mnslughter nd Corporte Homiide At 2007 Legl Defene Costs i the libility of the Insurer shll not exeed 500,000 or the Limit of Indemnity (whihever is lesser) in ny one Period of Insurne ii ll mounts pyble will form prt of nd not be in ddition to the Limit of Indemnity iii where the Insurer hs lredy indemnified the Insured in respet of legl osts or expenses inurred in onnetion with the defene of 10 Publi Libility Insurne for Strt Ups

13 riminl proeedings (inluding ppels ginst onvition rising from suh proeedings) rising out of the sme use or ourrene whih gve rise to sid proeedings under nother Setion of the Poliy the mount pid under tht Setion shll ontribute to the mximum mount pyble under this Setion. Extensions (Subjet to the terms, limits, onditions nd exlusions of this Setion nd the Poliy) 1 Indemnity to Other Prties If the Insured so request the Insurer will indemnify the following prties ny offier or ommittee member or other member of the Insured s nteen, soil, sports or welfre orgnistions or mbulne, first id, fire, medil or seurity servies ginst libility inurred in suh pity b ny prtner, diretor or Employee of the Insured ginst libility inurred in suh pity nd in respet of whih the Insured would hve been entitled to indemnity under this Setion if the lim hd been mde ginst the Insured s though eh prty were individully nmed s the Insured in this Setion ny prinipl for whom the Insured hve greed to exeute work under ontrt or greement ginst libility rising out of the performne of suh work by the Insured nd in respet of whih the Insured re leglly lible nd would hve been entitled to indemnity under this Setion if the lim hd been mde ginst the Insured Provided tht i ii eh suh prty shll observe fulfil nd be subjet to the terms nd onditions of this Setion in so fr s they n pply the Insurer s libility to the Insured nd ll prties indemnified shll not exeed in totl the Limit of Indemnity. 2 Joint Insured Cross Libilities If more thn one prty is nmed s the Insured this Setion shll pply s though eh were insured seprtely provided tht the Insurer s libility to ll prties indemnified shll not exeed in totl the Limit of Indemnity. 3 Overses Personl Libility The Business is extended to inlude personl tivities (not onneted with ny ginful ouption or profession nor with the ownership or tenure of ny lnd or building) of ny prtner, diretor or Employee of the Insured or fmily member of suh prtner diretor or Employee normlly resident within Gret Britin, Northern Irelnd, the Isle of Mn nd the Chnnel Islnds in the ourse of ny journey or temporry visit to ny other ountry mde in onnetion with the Business. 4 Motor Contingent Libility The Insurer will indemnify the Insured in the terms of this Setion ginst libility rising out of the use in onnetion with the Business of ny vehile not owned provided or being driven by the Insured but this Setion does not over libility in respet of dmge to suh vehile b rising out of ny suh use in ny ountry outside the Europen Union inurred by ny prty other thn the Insured d inurred by ny prty identified in Extension 1 (Indemnity to Other Prties), prgrph b, other thn n Employee For the purpose of this over Exlusion 1 of this Setion does not pply. 5 Helth nd Sfety t Work Legl Defene Costs The Insurer will indemnify the Insured nd if the Insured so request ny prtner, diretor or Employee of the Insured in the terms of this Setion in respet of osts nd expenses inurred with the Insurer s written onsent b osts nd expenses of the proseution wrded ginst ny suh prty in onnetion with riminl proeedings or n ppel ginst onvition rising from suh proeedings brought in respet of ny offene under the Helth nd Sfety t Work et. At 1974 or the Helth nd Sfety t Work (Northern Irelnd) Order 1978 ommitted or lleged to hve been ommitted during the Period of Insurne in onnetion with the Business Publi Libility Insurne for Strt Ups 11

14 Provided tht i the proeedings relte to the helth, sfety or welfre of ny person other thn n Employee ii the Insurer shll hve the ondut nd ontrol of ll the sid proeedings nd ppels. The Insurer will not py for fines or penlties of ny kind b proeedings or ppels in respet of ny deliberte or intentionl riminl t or omission osts or expenses insured by ny other insurne. 6 Dt Protetion The Insurer will indemnify the Insured nd t the Insured s request ny prtner, diretor or Employee of the Insured ginst the sums whih the Insured or ny diretor, prtner or Employee of the Insured beome(s) leglly lible to py s ompenstion, under Setion(s) 22 nd/or 23 of the Dt Protetion At 1984 s mended by the Dt Protetion At 1998, for dmge or distress resulting from filure of the Insured to omply with dt protetion legisltion nd used in onnetion with the Business during the Period of Insurne. Provided tht the Insured is i registered user in ordne with dt protetion legisltion ii not in business s dt proessing bureu. b The totl mount pyble inluding ll osts nd expenses under this prgrph in respet of ll lims ourring during ny one Period of Insurne is limited to 250,000. The Insurer will not py for i ny dmge or distress used by ny deliberte t or omission by the Insured the result of whih ould resonbly hve been expeted by the Insured hving regrd to the nture nd irumstnes of suh t or omission ii ny dmge or distress used by ny t of frud or dishonesty iii the osts nd expenses of retifying, rewriting or ersing dt iv libility rising from the reording, proessing or provision of dt for rewrd or to determine the finnil sttus of ny person v the pyment of fines or penlties. 7 Defetive Premises At 1972 The Insurer will indemnify the Insured in the terms of this Setion ginst libility inurred by the Insured under Setion 3 of the Defetive Premises At 1972 or Setion 5 of the Defetive Premises (Northern Irelnd) Order 1975 in onnetion with premises or lnd disposed of by the Insured. This extension does not over the ost of retifying ny dmge or defet in the premises or lnd disposed of b libility for whih the Insured is entitled to indemnity under ny other insurne. libility rising out of the presene of Asbestos 8 Consumer Protetion nd Food Sfety Ats Legl Defene Costs The Insurer will indemnify the Insured nd if the Insured so request ny prtner, diretor or Employee of the Insured in the terms of this Setion in respet of legl osts nd expenses inurred with the written onsent of the Insurer in onnetion with the defene of ny riminl proeedings or n ppel ginst onvition rising from suh proeedings brought in respet of ny offene under Prt 2 of the Consumer Protetion At 1987 or b Setion(s) 7, 8, 14, nd/or 15 of the Food Sfety At 1990 ommitted or lleged to hve been ommitted during the Period of Insurne in onnetion with the Business provided tht the Insurer shll hve the ondut nd ontrol of ll the sid proeedings nd ppels. The Insurer will not py for i ii fines or penlties of ny kind proeedings or ppels in respet of ny deliberte t or omission iii osts or expenses insured by ny other poliy. 9 Court Attendne Compenstion If during the Period of Insurne ny prtner diretor or Employee of the Insured is required to ttend ourt s witness t the request of the Insurer in onnetion with lim whih is the subjet of indemnity under this Setion the Insurer will py ompenstion to the Insured on the following sle for eh dy tht ttendne is required 12 Publi Libility Insurne for Strt Ups

15 ny diretor or prtner 500 b ny Employee Contrtul Libility In respet of libility ssumed by the Insured by ontrt or greement entered into by the Insured nd whih would not hve tthed in the bsene of suh ontrt or greement the indemnity provided by this Setion shll only pply if the sole ondut nd ontrol of ny lim is vested in the Insurer Provided tht the Insurer shll not in ny event provide indemnity under Exlusion 9 of this Setion exept s stted therein b in respet of liquidted dmges or fines or dmges imposed by or pyble under ny penlty luse. 11 Corporte Mnslughter nd Corporte Homiide At 2007 Legl Defene Costs The Insurer will indemnify the Insured in respet of legl osts nd expenses inurred with the prior written onsent of the Insurer nd b osts of the proseution wrded ginst the Insured in onnetion with the defene of ny riminl proeedings (inluding ny ppel ginst onvition rising from suh proeedings) brought under The Corporte Mnslughter nd Corporte Homiide At 2007 or ny equivlent in the Chnnel Islnds or the Isle of Mn in respet of ny ftl injury ourring during the Period of Insurne in the ourse of the Business nd whih my be the subjet of indemnity under this Setion Provided tht the Insurer grees detils of the speifi soliitor or ounsel who re to t on behlf of the Insured prior to their ppointment The Insurer will not py for i ii ny fines or penlties imposed on the Insured or the ost of implementing ny remedil order or publiity order legl osts nd expenses in onnetion with n ppel unless soliitor or ounsel dvise tht there re strong prospets of sueeding in the ppel or reovering osts wrded ginst the Insured t ll times throughout the ppels proess. Any hnge to suh prospet of suess during the ppels proess my result in over being removed iii osts nd expenses provided by nother soure or ny other insurne or where but for the existene of this Extension would hve been provided by suh soure or insurne iv osts nd expenses in onnetion with the defene of ny riminl proeedings brought in ny ountry other thn in the United Kingdom v osts nd expenses in onnetion with the defene of ny riminl proeedings resulting from ny deliberte or intentionl riminl t or omission by the Insured or ny prtner or diretor of the Insured or ny Employee Exlusions Poliy Exlusions 2, 3 nd 9 pply to this Setion nd in ddition it does not over: 1 Libility in respet of Injury to ny Employee rising out of nd in the ourse of the employment or enggement of suh person by the Insured. 2 Libility in respet of Injury or Dmge rising in onnetion with work on or trvel to or from Offshore Instlltions. 3 Libility in respet of fines, penlties or liquidted dmges b punitive, exemplry or ggrvted dmges or ny dmges resulting from the multiplition of ompenstory dmges. 4 Libility in respet of Pollution or Contmintion ourring in the United Sttes of Ameri or Cnd or ny dependeny or trust territory b Pollution or Contmintion ourring elsewhere unless used by sudden, identifible, unintended nd unexpeted inident whih tkes ple in its entirety t speifi time nd ple during the Period of Insurne. 5 Libility rising out of the ownership, possession or use by or on behlf of the Insured of ny mehnilly propelled vehile (or triler tthed thereto) whih is required by ny rod trffi legisltion to be the subjet of ompulsory insurne or other seurity but this Exlusion shll not pply in respet of the loding or unloding of suh vehile or the delivery or olletion of goods to or from suh vehile exept where more Publi Libility Insurne for Strt Ups 13

16 speifilly insured by ny other poliy. 6 Libility rising out of the ownership, possession or use by or on behlf of the Insured of ny vessel or rft designed to flot on or in or trvel through wter, ir or spe (other thn hnd-propelled wterrft). 7 Libility in respet of Dmge to ny property belonging to or in the hrge or ontrol of the Insured other thn personl effets or vehiles of ny prtner, diretor or Employee of or visitor to the Insured b premises (nd their ontents) not belonging, lesed, rented or hired to the Insured but temporrily in the hrge of the Insured for the purpose of rrying out work Premises (inluding their fixtures nd fittings) lesed, rented or hired to the Insured but this Setion does not over libility tthing to the Insured solely under the terms of ny tenny or other greement. 10 Libility in respet of Dmge to ny property omprising or to be inorported in the ontrt works in respet of ny ontrt undertken by the Insured b ginst whih the Insured re required to effet insurne under the terms of Cluse of the J.C.T. (R.I.B.A.) Conditions of Contrt or of ny other ontrt ondition requiring insurne of like kind. 11 Libility rising from or s onsequene of ny mnul work rried out wy from ny Premises belonging, lesed, rented or hired to the Insured other thn delivery or olletion. 12 the Exess. 8 Libility in respet of Dmge to ny goods or other property sold, supplied, delivered, instlled or ereted by or on behlf of the Insured b ll osts of or rising from the need for reinsttement, mking good, removl, repir, retifition, replement or rell of i ii ny suh goods or property ny defetive work exeuted by or on behlf of the Insured exept tht 8 nd 8bi bove shll not pply to libility in respet of Dmge to the sid goods or property if suh Dmge is used by or rises from 1 ny ltertion, repir or serviing work exeuted 2 ny other goods or property sold, supplied, delivered, instlled or ereted by the Insured under seprte ontrt. 9 Libility for Injury or Dmge rising out of or in onnetion with dvie, design, formul, speifition, inspetion, ertifition or testing provided or performed for fee by or on behlf of the Insured other thn where provided or performed in onnetion with ny Produt insured by this Setion. 14 Publi Libility Insurne for Strt Ups

17 Additionl Benefits Business Link Running business mens fing onstnt strem of hllenges nd opportunities often with limited resoures. Business Link is highly ommitted, ntionl network of independent lol business dvie entres. Whether you re looking for help with mngement tehniques, finne, export skills, design, tehnology, mrketing or informtion tehnology, one phone ll will put you in touh with your lol Business Link nd its highly experiened tem of experts with hnds-on experiene. To ontt Business Link, telephone Risk Diretor Risk Diretor is Allinz s wrd winning online risk mngement servie tht is FREE for Allinz poliyholders. At the lik of button you n ess effetive risk mngement guidne nd informtion nd lso ess trusted nd imprtil risk mngement produt nd servie resoures. Try it now vi Ressess your risk If your irumstnes hnge or if you re oming to the end of your Publi Libility Insurne for Strt Ups poliy, you n use our online tool to hek tht you re properly overed. Just go to to find out more or spek to your Brlys Business Mnger in brnh. Publi Libility Insurne for Strt Ups 15

18 How to Mke Clim If you need to lim, your dedited lims hndler will help nd guide you through the proess. You n notify Allinz of lim by: Telephone: Post: Brlys Clims Centre 500 Avebury Boulevrd Milton Keynes MK9 2XX Online: Our lims helpline is vilble 24 hours dy, 7 dys week. Plese try to notify Allinz of lim promptly fter the inident, or immeditely in the event of serious ident, loss or dmge. Clims Detils Plese hve the following informtion vilble, where possible, when mking lim: Property Clims Your ontt informtion, inluding ddress nd telephone numbers Poliy type nd poliy number Dte the loss ourred Lotion nd desription of the loss Injury Clims Your ontt informtion, inluding ddress nd telephone numbers Poliy type nd poliy number Dte the loss ourred Nme nd ddress of injured prty Desription of the injury, where nd how it ourred Wht to expet when mking lim Allinz ims to del with your lim promptly nd firly. We will updte you on the progress of your lim by emil, mil or by phone whihever you prefer. Depending on the type of lim nd vlue involved, we my: forwrd lim form for you to omplete nd sign sk you for dditionl informtion ppoint n independent Loss Adjuster to del with your lim rrnge for member of our lims tem to visit you Helpful dvie when mking lim Your insurne poliy omes with number of gret fetures to help keep your business up nd running. These dditionl fetures do not ome with stndrd poliies nd hve been designed espeilly for smll businesses in mind. 16 Publi Libility Insurne for Strt Ups

19 How to Contt Allinz Should you wish to disuss your insurne needs, or mke ny hnges to your poliy you n do so vi Post: Brlys Business Insurne /o Allinz Insurne pl PO Box 883 Lnster LA1 9JA Telephone: Lines re open Mondy to Fridy 8m to 6pm. Clims Hndling Centres You n notify Allinz of lim by: Telephone: Post: Brlys Clims Centre 500 Avebury Boulevrd Milton Keynes MK9 2XX Online: Our lims helpline is vilble 24 hours dy, 7 dys week. How Allinz Hndles Complints Allinz ims to get it right, first time every time. If we mke mistke we will try to put it right promptly. We will lwys onfirm to you reeipt of your omplint within five working dys nd do our best to resolve it within four weeks. If we nnot we will let you know when n nswer my be expeted. If we hve not resolved the sitution within eight weeks we will provide you with informtion bout the Finnil Ombudsmn Servie. If you hve omplint plese ontt our Customer Stisftion Mnger t: Customer Stisftion Mnger Brlys Business Insurne /o Allinz Insurne pl PO Box 883 Lnster LA1 9JA Telephone: Fx: Emil: Lines re open Mondy to Fridy 8m to 6pm. Using our omplints proedure or referrl to the Finnil Ombudsmn Servie does not ffet your legl rights. Publi Libility Insurne for Strt Ups 17

20 Dt Protetion At Telephone lls my be reorded for our mutul protetion, trining nd monitoring purposes. Allinz Insurne pl (Allinz) my use the personl nd business detils you hve given or whih re supplied by third prties inluding ny detils of diretors, offiers, prtners nd employees to provide you with quottion; del with your poliy; to serh redit referene nd frud genies who my keep reord of the serh; to shre with other insurne orgnistions to help offset risks, to help dminister your poliy nd to hndle lims nd prevent frud; to support the development of our business by inluding your detils in ustomer surveys, nd for mrket reserh nd ompline business reviews whih my be rried out by third prties ting on behlf of Allinz. You greed when you pplied for the poliy tht your diretors, offiers, prtners, nd employees hve onsented to Allinz using their detils in this wy. Allinz my need to ollet dt relting to Insured Persons, whih under the Dt Protetion At is defined s sensitive (suh s medil history nd onvition detils of the Insured Persons) for the purpose of evluting the risk or dministering lims whih my our. You must ensure tht you hve expliit verbl or written onsent from the insured persons to suh informtion being proessed by Allinz nd tht this ft is mde known to the insured persons. If your poliy provides Employers Libility over informtion relting to your insurne poliy will be provided to the Employers Libility Tring Offie (the ELTO ) nd dded to n eletroni dtbse, (the Dtbse ) in formt set out by the Employer s Libility Insurne: Dislosure by Insurers Instrument The Dtbse nd the dt stored on it my be essed nd used by the Climnts, their ppointed representtives, insurers with potentil libility for UK ommeril lines employers libility insurne over nd ny other persons or entities permitted by lw. The Dtbse will be mnged by the ELTO nd further informtion n be found on the ELTO website By entering into this insurne poliy you will be deemed to speifilly onsent to the use of your insurne poliy dt in this wy nd for these purposes. Allinz will shre your informtion with Brlys Group for the purpose of mnging poliy(ies), to ssess the onditions of the insurne ontrt, to del with lims, to obtin/provide quottions on n ongoing bsis nd in the norml ourse of serviing nd dministering your insurne. Under the Dt Protetion At 1998 individuls re entitled to opy of ll the personl informtion Allinz Insurne pl holds bout them. Should you require further detils in respet of this mtter plese ontt the Customer Stisftion Mnger t Brlys Business Insurne, PO Box 883, Lnster, LA1 9JA. Personl detils my be trnsferred to ountries outside the EEA. They will t ll times be held seurely nd hndled with the utmost re in ordne with ll priniples of English lw. The Dtbse ssists individul onsumer limnts who hve suffered n employment relted injury or disese rising out of their ourse of employment in the UK for employers rrying on, or who rried on, business in the UK nd who re overed by the employers libility insurne of their employers, (the Climnts ): to identify whih insurer (or insurers) ws (or were) providing employers libility over during the relevnt periods of employment; nd to identify the relevnt employers libility insurne poliies. 18 Publi Libility Insurne for Strt Ups

21 This pge is left intentionlly blnk Publi Libility Insurne for Strt Ups 19

22 20 Publi Libility Insurne for Strt Ups This pge is left intentionlly blnk

23

24 Brlys Bnk PLC t s n introduer to Allinz Insurne pl for Brlys Business Insurne whih is rrnged, dministered nd underwritten by Allinz Insurne pl (registered number 84638), registered offie 57 Ldymed, Guildford, Surrey, GU1 1DB. Allinz Insurne pl is uthorised by the Prudentil Regultion Authority nd regulted by the Finnil Condut Authority nd the Prudentil Regultion Authority. Finnil Servies Register number Brlys Bnk PLC is not prt of the Allinz (UK) Group. Brlys Bnk PLC. Registered in Englnd. Registered No Registered offie: 1 Churhill Ple, London, E14 5HP. Brlys Bnk PLC. Authorised by the Prudentil Regultion Authority nd regulted by the Finnil Condut Authority nd the Prudentil Regultion Authority (Finnil Servies Register number: ). ACOM

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